Medicare Supplement

Las Vegas Medicare 2026: 74 Plan Options in Clark County

LAS VEGAS — If you're sorting through Medicare choices for 2026, you're not alone, and you're not short on options. Las Vegas sits in Clark County, where 74 Medicare Advantage plans are available for the coming plan year, according to the Centers for Medicare & Medicaid Services (CMS) Landscape files.

Las Vegas seniors face a wide 2026 Medicare menu

That's a lot of ground to cover. The good news: you don't have to figure it all out in one sitting. Here's a plain-language look at what's on the table locally, what changes at the federal level in 2026, and how to make a confident choice by the December 7 deadline.

What the numbers say about Clark County

Medicare plan availability is set at the county level, so these counts apply to everyone with a Las Vegas address inside Clark County:

• 74 Medicare Advantage plans available
• 12 carriers offering Medicare Advantage with prescription drug coverage (MA-PD)
• 370,419 residents age 65 and older in the county

With a 65+ population that large, it makes sense that carriers compete here. But more choice also means more homework — comparing networks, drug lists, and out-of-pocket rules matters more than just counting logos.

How to narrow 74 options down to a short list

When the menu is this long, working through a few practical filters helps:

1. Start with your doctors and hospitals. Check whether the providers you use are in a plan's network before anything else. 2. Bring your prescription list. Each Medicare Advantage plan with drug coverage uses its own formulary. Same drug, different plan, different rules. 3. Think about how you travel. If you split time outside Nevada, ask how the plan handles out-of-area care. 4. Look at the full cost picture. Premiums are only one piece — deductibles, coinsurance, and the annual out-of-pocket limit all matter. 5. Check Star Ratings for context. CMS publishes Star Ratings each fall as a quality signal. They're one input among several, not a stand-alone verdict.

The Medicare Plan Finder at medicare.gov lets you plug in your ZIP code and drug list and compare side by side.

What's changing in 2026 across the country

A few program-level updates apply no matter which plan you pick:

• Part D out-of-pocket cap: $2,100. Once your covered drug spending hits that ceiling, you pay $0 for covered Part D drugs the rest of the year.
• Part D deductible maximum: $615. Individual plans can set a lower deductible, but not higher.
• No more "donut hole." The old coverage gap was eliminated in 2025. Part D now has three phases: deductible, initial coverage, and catastrophic.
• Medicare Prescription Payment Plan. This optional program lets you spread your yearly drug costs into monthly payments instead of paying big amounts at the pharmacy counter.
• IRMAA thresholds. Higher-income beneficiaries pay an Income-Related Monthly Adjustment Amount on Part B and Part D. For a single filer in 2026, IRMAA begins above $109,000 in income.

A note on stand-alone Part D in Clark County

CMS Landscape data shows Nevada has 10 stand-alone Part D plans for 2026, sold statewide, and Clark County residents can choose from that list. Many Las Vegas residents get drug coverage bundled inside a Medicare Advantage plan (MA-PD), while others pair Original Medicare with a stand-alone Part D plan. If you're on Original Medicare and want drug coverage, you can confirm your options with 1-800-MEDICARE or Nevada SHIP before enrollment closes.

Deadlines to circle on your calendar

• October 15 – December 7: Medicare Annual Enrollment Period. Join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.
• January 1 – March 31: Medicare Advantage Open Enrollment Period. If you're already in a Medicare Advantage plan, you get one chance to switch to a different MA plan or return to Original Medicare.

Missing the December 7 deadline usually means waiting a full year to change plans, unless you qualify for a Special Enrollment Period.